Attention Valued Shell FCU Members!

Shell FCU members falling victim to Digital Banking compromises. Fraudsters are calling and texting members while spoofing our official (713) 844-1100 phone number. Do not respond to these texts or calls. Delete the text or hang up immediately. NEVER share your Digital Banking credentials and avoid disclosing personal information with unsolicited callers or texters claiming to be Shell FCU. We will never do this. If in doubt, call Shell FCU at (713) 844-1100. If YOU call us first the number cannot be spoofed, and you know you will be talking to a Shell FCU employee.

Savings Accounts

Shell Federal Credit Union is a full service financial institution that has improved the lives of thousands since 1937. Through service excellence, community outreach and lasting financial solutions, Shell FCU can help in all stages of life. Anyone who lives, works, worships, attends school, or regularly conducts business in Harris County can bank with Shell FCU.

Shell FCU accounts are insured up to $250,000 by the National Credit Union Administration, or NCUA. The NCUA is an independent agency of the United States Government. It regulates, charters and insures the nation’s federal credit unions.

 

Interested in banking with Shell FCU and have questions?

See the account details below or request to be contacted by a Shell FCU Representative.

 Bank With Us

Product Name Initial Deposit Minimum Balance* Rate Type APY**
  Savings $5.00 $5.00 Variable 0.10%

A Savings Account with a $5 initial deposit must be established to be eligible for other accounts, loans and Shell FCU benefits. This initial savings account is considered a Membership Account.

  • As a credit union, Shell FCU returns earnings to our members in the form of competitive savings rates.
  • Checks can be deposited quickly and effortlessly using Mobile Deposit within the Shell FCU Digital Banking App.
  • Increase your savings easily by depositing cash or checks at any Shell FCU ATM.

Interested in a Shell FCU savings account?

Request to be contacted by a Shell FCU Representative.

  High Yield eSavings $5.00 $0.01 Variable up to 3.00%***

Are you looking for a high interest rate account, but still need access to your funds? Then a High Yield eSavings Account could be right for you!

The High Yield eSavings account provides you with the opportunity to earn more than a regular Savings account by meeting two easy qualifications each month:

  1. Have an open eChecking account
  2. Meet all eChecking account qualifications each month

1st Tier

Balances up to $10,000

2.00%

APY***

2nd Tier

Portion of the balance between $10,000.01 and $20,000.00

3.00%

APY***

3rd Tier

Portion of the balance exceeding $20,000.00

0.05%

APY***


***High Yield eSavings is a tiered rate account available to members with an open eChecking account. Each month when the eChecking minimum service qualifications are met you can earn: 2.00% APY on balances up to $10,000, 3.00% APY on the portion of the balance between $10,000.01 and $20,000.00, and 0.05% APY on the portion of the balance that exceeds $20,000.00. If you fail to meet any of the minimum service requirements during a calendar month, or you close the eChecking account, you will earn 0.05% APY on the entire balance in the account. One High Yield eSavings account is allowed per membership. APY denotes Annual Percentage Yield. No monthly service charge.

What happens if the qualifications are not satisfied during a cycle?
  • You will earn 0.05% APY on your free eSavings balance
  • No minimum balance required

See a representative for complete details and qualifications. The qualification cycle aligns with the beginning and end of each month.

Interested in a High Yield eSavings Account?

Request to be contacted by a Shell FCU Representative.

  TUTMA (Texas Uniform Transfers to Minors Act) $5.00 $5.00 Variable 0.10%

A TUTMA (Texas Uniform Transfers to Minors Act) is a great way to provide for your child’s future.

  • Can be established for any person under the age of 21.
  • This account uses the minor child’s social security number; however, the child has no authority on this account.
  • Account should be transferred to the minor once they reach the age of 21.

Interested in a Shell FCU TUTMA account?

Request to be contacted by a Shell FCU Representative.

  Christmas Club $10.00 $10.00 Variable 0.50%

A Christmas Club Account can be set up to assist in saving for holiday expenses.

  • Minimum opening deposit is $10.
  • This account includes unlimited deposits.
  • All withdrawals will incur a fee. (See Fee Schedule for details.)
  • All withdrawals must be performed at a branch or through the call center.
  • The Christmas Club account balance will be transferred to your regular share account on or before November 1st.

Interested in a Shell FCU Christmas Club account?

Request to be contacted by a Shell FCU Representative.

  iSave $25.00 $25.00 Variable 0.15%

An iSave is available to ages 14 to 24 and is an incentive based savings program.

Here's how it works:

  1. Open an iSave account with a minimum $25 deposit.
  2. Deposit at least $25 every 30 days for 12 consecutive months.
  3. Don’t take any money out & receive a $25 BONUS!

Interested in a Shell FCU iSave account?

Request to be contacted by a Shell FCU Representative.

Rates current as of and may change after opening the account.

*Minimum balance required to receive disclosed APY. **APY denotes Annual Percentage Yield. Fees could reduce earnings on accounts. Contact Shell FCU for additional product details including earned dividend information, minimum deposit and balance requirements to earn the stated APY, and other important account terms and conditions. Dividend rates and Annual Percentage Yields are current as of the last dividend declaration date.